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Compare Mortgage Refinance Companies in St James, NY
Compare mortgage refinance companies in St James. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
St James, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New York before hiring.
Showing 2 mortgage refinance companies in St James, NY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
All Shores Mortgage
452 Lake Ave, St James, NY 11780
6316865200
Coast to Coast Commercial Capital, Inc
409 Lake Ave, St James, NY 11780
6315518002
Mortgage refinance companies in St James, New York help homeowners lower their interest rates, reduce monthly payments, or change loan terms. New York law requires lenders to provide a Good Faith Estimate and a Truth in Lending statement within three business days of application. Local St James borrowers can access these services to adjust their home loans for better financial outcomes.
What Does a Mortgage Refinance Company in St James Cost?
Typical costs for a mortgage refinance in New York include an origination fee of 0.5 to 1 percent of the loan amount, an appraisal fee of 400 to 700 dollars, and title insurance costs of 500 to 1,500 dollars. New York also charges a mortgage recording tax of 0.25 percent on refinances. Total closing costs often range from 2 to 5 percent of the loan principal. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to refinance a mortgage in St James New York?
You typically need pay stubs, tax returns, bank statements, and proof of homeowners insurance. New York lenders also require a property appraisal and a completed loan application. The exact list varies by lender and loan type.
How long does a mortgage refinance take in New York?
A standard refinance in New York usually takes 30 to 45 days from application to closing. Delays can occur if the appraisal is slow or if additional documents are needed. New York law does not set a specific time limit for the process.
Are there New York state taxes on mortgage refinancing?
New York imposes a mortgage recording tax on refinances, which is based on the loan amount. For a refinance, the tax rate is 0.25 percent of the principal amount in most counties, including Suffolk County where St James is located. Some exemptions may apply for certain loan types.
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Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New York.